Personal career planning of insurance industry

Personal career planning of insurance industry

Ruthless time, the old man is like a cold wind, walking silently and rushing by. I believe everyone is full of expectations for the upcoming work and life! It's time to plan your next career development path. How to write at the beginning of career planning? Presumably this makes everyone very upset. The following is my personal career plan for the insurance industry, which is for your reference only and I hope it will help you.

Personal career planning of insurance industry 1 I love the insurance industry and have a certain knowledge reserve for it. I have got the certificate and will get it soon. Have qualifications.

During my college years as a student union, my organizational and communication skills have been fully exercised. Not afraid of hardship, dare to try and be brave in innovation. Have a good sense of teamwork.

I. Current situation of insurance industry

The concentration of insurance market is still high; The role of insurance intermediary is limited; Insurance companies lack high-quality talents; The insurance market in China is still in an oligopoly state, the development of insurance industry in China is still at a low level, and the professional management level of insurance industry in China is not high.

Second, the future development trend of insurance

With the rapid increase of China's economic aggregate, the continuous enrichment of insurable resources and the continuous growth of insurance demand, we can completely predict that the scale of China's insurance market will expand rapidly in the future. According to empirical data, in the initial stage of the development of a country's insurance industry, its insurance growth rate is generally more than twice the GDP growth rate, so the average annual growth rate of insurance growth in China is at least 12% from now until 20xx (assuming that the average annual GDP growth rate in China is 6% during this period, this growth rate can be reached during this period), so the insurance industry in China can maintain a high growth rate for at least 20 years. In 20xx, China's insurance premium income exceeded 1 trillion yuan, reaching113.73 billion yuan, a year-on-year increase of 13.8%. It is conservatively estimated that the total premium income of China insurance market will reach at least10.5 trillion yuan in 20xx.

Three, the insurance industry career planning:

1. Short-term goal: insurance agent (2-3 years):

With the rapid development of the insurance industry and the diversification of sources of various information channels, people's awareness of insurance will become stronger and stronger, and the number of customers who actively choose to understand and buy insurance will gradually increase. According to the development experience of foreign insurance industry and the current reform trend in China, the future insurance agents will develop in the following aspects.

Take the route of organizational development and form a sales team.

Take the route of personal exhibition industry, with different sources of customers, and establish customer channels through industry development. There is no fixed customer channel, just a single decentralized customer development.

My short-term goal is to strengthen my professional skills, cultivate service spirit, develop customer channels and make myself more competitive. After graduation, I choose to take the route of organizational development and select talents around me to form my own sales team.

2. Long-term goal: financial planner (8- 10)

Career prospects: With the rapid development of China's economy in the past 30 years, the middle class and very rich people are rapidly forming. Career prospects: A considerable number of them have gradually developed from the stage of radical investment and rapid accumulation of wealth to the direction of steady and conservative investment, capital security and comprehensive financial management, so the demand for financial planners who can provide objective and comprehensive financial management services has increased rapidly. According to McKinsey's survey, China's personal financial market will grow to $57 billion in 20xx, and professional financial management will become one of the most promising financial businesses in China.

In contrast to the rising demand for financial services, the number of financial planners in China is obviously insufficient. The scale of China's domestic wealth management market far exceeds 654.38 billion yuan. A mature financial market requires at least one professional financial planner in every three families. Therefore, there is a gap of 200,000 financial planners in China and more than 30,000 in Beijing alone. In China, less than 65,438+00% of consumers' wealth has been professionally managed, compared with 58% in the United States.

In some developed countries, most of the earliest financial planners were trained by insurance agents. My plan is to learn the knowledge of financial planners during my years as an insurance agent, and then get the qualification certificate of assistant financial planner. Then practice independently and provide financial services to residents as a third party. After 3-5 years, after obtaining the qualification certificate of financial planner, the target market turns to individual high-end customers.

Personal career planning in the insurance industry Part II: Draw up a career plan for yourself, set a scientific and reasonable goal for yourself, and make your study and life more targeted, purposeful and instructive. Therefore, it is very necessary and urgent to make such a plan. Because for everyone, career is limited, and life and time will be wasted if effective career planning is not carried out. As a contemporary college student, how can we meet the needs of society and make a place for ourselves when we step into this crowded society with a blank face?

1. My career interests

Lifestyle: emphasize the integration of work and life, like to balance the needs of individuals, work and family, like flexible working environment, unwilling to undertake other jobs beyond the minimum work requirements, and even sacrifice some aspects of work in exchange for the balance of the three. The definition of success is broader than that of professional success.

Traditional: I like to do things in an orderly way, step by step, follow the rules, be practical and steady, and be precise. I am willing to carry out other people's orders and accept them instead of taking responsibility or directing others independently.

2.swot analysis

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Strengths: (advantages)

1. Have a strong interest in your major.

My personality is suitable for further study in this major.

Weaknesses (weaknesses):

1. This problem is not considered comprehensively.

2. I don't like to deal with complicated interpersonal relationships, and my thoughts are too simple.

3. The available resources are not abundant.

Opportunities:

1. The country has a great demand for such talents.

2. State support for agriculture,

China has a large rural and agricultural population and a vast market.

4. The state strongly supports solving the problems concerning agriculture, countryside and farmers.

5. The industry is not perfect, and the activity space is large.

Threats:

1. There are too many graduates flocking to this industry after graduation, and the competition is encouraging.

2. Because most farmers' knowledge level is not high, their ability to accept new things is weak and their work is difficult.

3. Career analysis and career prospects

Current situation of agricultural insurance

Agricultural insurance refers to the insurance that provides protection for agricultural producers' economic losses caused by natural disasters and accidents in the process of planting and breeding production. In recent years, with the strong support of government policies at all levels, agricultural insurance has maintained a rapid development momentum. At present, the coverage of agricultural insurance has increased significantly, the business scale has been continuously expanded, the coverage has been gradually broadened, the insurance subjects have become increasingly diverse, the functions and functions have been gradually brought into play, and various pilots have been gradually promoted, which is embodied in the following aspects.

(1) The pilot work of policy-based agricultural insurance has been carried out gradually.

(2) Policy-based agricultural insurance services have been continuously expanded.

(C) Policy: New agricultural insurance organizations should be diversified.

(D) The function of policy-based agricultural insurance has been gradually brought into play.

However, there are many problems in the development of policy-based agricultural insurance at this stage. The main questions are:

(A) the understanding of policy-oriented agricultural insurance is not clear enough

(2) Farmers' income level is low and their insurance awareness is weak.

(3) Insurance companies are backward in management technology.

(D) the lack of sound laws and regulations to support

Local governments lack a long-term mechanism for financial subsidies for policy-based agricultural insurance.

(six) the lack of catastrophe risk dispersion system and agricultural insurance reinsurance mechanism

(7) There are many hidden dangers in the current policy-based agricultural insurance premium subsidy method.

From the perspective of supply, the agricultural insurance supply of insurance companies is insufficient. There are few insurance institutions, low coverage, single agricultural insurance types and lack of agricultural insurance talents; From the demand point of view, the effective demand of farmers and herdsmen for agricultural insurance is seriously insufficient. Farmers and herdsmen have a weak awareness of agricultural insurance. Farmers and herdsmen in economically developed areas have a certain understanding of agricultural insurance knowledge through insurance publicity of insurance institutions, but they are lucky, which leads to low enthusiasm for insurance. Affected by income, economy, market environment and other factors, farmers and herdsmen in underdeveloped areas lack professional insurance institutions to carry out publicity and basically have no understanding of agricultural insurance. From this point of view, although agricultural insurance has certain risks, its prospects are bright. Complement the required knowledge and skills for yourself at work.

4. Ten-year plan after graduation (20xx-20xx)

My career direction: insurance broker, insurance adjuster.

Economic goal: the annual salary is 80,000.

Success criteria: the coordinated development of personal affairs, career and family life.

Although the plan is good, it is more important to practice and achieve results. Any goal, just saying no, will fail. However, the reality is unknown and changeable, and the set target plan may encounter problems at any time, which requires a clear head. In fact, there is a mountain peak in everyone's heart, carved with ideals, beliefs, pursuits and ambitions; There is a forest in everyone's heart, bearing the harvest, fragrance, frustration and tempering. If a person wants to succeed, he must show courage, work hard, struggle and struggle. Success, don't believe in tears; Success, not believing in decadence; Success doesn't believe in fantasy. In the future, you have to work hard on your own.

In the new year, in accordance with the development requirements of the 12th Five-Year Plan issued by the Insurance Regulatory Bureau, combined with our own reality and around the specific requirements of the general manager's office of the sub-group, we will adhere to the overall working idea of "strengthening, grasping the weak, filling the gaps and innovating", make a fuss about changing our thinking, exert ourselves in scientific development, use our brains in talent construction, and strive to complete the annual targets issued by the sub-group to ensure that all the construction of the sub-group is in the original place.

(1) Constantly changing ideas and enhancing confidence in development.

Strengthen the sense of crisis and enhance the sense of urgency for development. In the face of fierce market competition, the rise of a large number of branches and four-level institutions within the group has brought unprecedented challenges to our living space. Carry out extensive crisis education in branches, further improve the internal performance appraisal system of branches, truly link performance with survival, and stimulate the internal motivation of work to the maximum extent. Enhance the sense of innovation and cultivate a pragmatic style. In the new year, combined with the actual situation of xx Group, we will take targeted development measures such as business training, problem consultation, expert guidance and policy guidance to improve efficiency and maintain the continuous leap-forward development of branch business. Strengthen the sense of transposition and comprehensively enhance the service image of the branch group. Insurance competition is already service competition. In the new year, we will conscientiously implement the concept of service in every business, refine the service process, clarify the service content, standardize the service quality, and gain customer recognition, brand effect and market opportunities through our services.

(2) Continuously optimize the business structure and realize scientific development.

Continue to do a good job in auto insurance business. Automobile insurance business is our main business. However, how to reduce compensation and generate benefits in auto insurance business has always been a bottleneck that we urgently need to break through. In the new year, according to the statistical data of auto insurance business, we will further implement the management regulations of group underwriting, ensure the survival of the fittest, increase the average premium of auto insurance, reduce the payout ratio, and strive to make auto insurance business a profitable leading type of insurance.

First, it is necessary to consolidate old customers, do a good job in renewing auto insurance, give full play to the service advantage of "paying in the whole city", and strive to keep the renewal rate above 50%, of which the renewal rate of long-term customers is above 90%; The fleet business and group car business remain above 80%; The renewal business of 4s stores is maintained at around 30%.

Second, continue to focus on operating vehicles, making it the main channel for the development of auto insurance.

Third, actively explore new auto insurance channels. We plan to expand 2-3 auto insurance channels in 20XX.

Focus on expanding the non-auto insurance market. The market competition of high-quality non-auto insurance business has been fierce. As the share of East China Power Grid and China Power Investment Corporation of xx Group increased after the establishment of Ying Da Group, the business of the Group was affected and the premium scale was greatly reduced. In 20XX, in addition to continuing to strive for non-auto insurance renewal, we should also actively explore new non-auto insurance growth points. Non-auto insurance plays an important role in our business accounting and risk control. We plan to focus on the development of "credit insurance+auto insurance" linkage business, actively strive for the premium scale of credit insurance, and strive to make the non-auto insurance premium scale reach a new level on the basis of the renewal of non-auto insurance business, and ensure that the premium scale will increase by more than 50% compared with 20XX.

Vigorously deepen life insurance business. From the analysis of 20XX's operation, our life insurance business has not developed rapidly, but at the end of this year, we have made effective and positive preparations to promote the rapid development of 20XX's life insurance business. We plan to take advantage of the underwriting characteristics of commercial vehicles to do a good job of "car+people" insurance. And the scattered life insurance business will be integrated into the channels to develop and strive for a stable source of premiums.

(3) Continuously strengthen team building and lay a solid foundation for development.

Strive to improve the management ability of team members in the branch to control the overall situation. Seriously study and analyze the market, master macro and micro policies, and make correct judgments and decisions on the group's business direction. Strictly adhere to the conference system, study system and investigation system, and the team members are both decision makers and practitioners. At the same time, strictly implement the requirements of collectivization, standardize the management of various expenses, improve the utilization rate of various resources, and improve the efficiency and efficiency of the group's operation and management. Strive to improve the ability of managers to find and solve problems. According to the requirement of "advocating one spirit, strengthening two kinds of consciousness and improving three kinds of abilities" put forward by General Manager Wan at the meeting of the General Committee in 10, we will take improving the ability and quality of managers as the top priority of our work in the new year, insist on replacing training with meeting, improve the practical ability of managers in the form of pair contract, play the role of assessment carrier and enhance their sense of responsibility. By grasping the first line at the first level, we can achieve the effect of one level with one level and one level with one level, thus promoting the healthy development of the whole branch group. Strive to improve the overall combat effectiveness of the employees of the branch group. Taking training and introducing talents as the fundamental plan of the group's development will provide a strong impetus for the group's sustained and healthy development.

This year, we will continue to maintain the continuous stability of the team and take the introduction of fresh blood as a normal work. At present, we are negotiating with 1-2 high-quality exhibition personnel, and we will introduce them as soon as possible when conditions are ripe. At the same time, we will strengthen business training. In addition to participating in various trainings organized by diversified groups, we will also conduct targeted business trainings according to the requirements of various business departments of the sub-group, mainly in policy propaganda and presentation skills, so as to continuously improve the understanding and execution ability of all employees on the development requirements of the group and enable all employees to combine the development requirements of the group with their own interests.

(4) Constantly standardize the awareness of laws and regulations and increase risk prevention.

Use documents to guard against risks. Continue to implement the spirit of Document No.70, which is the guiding document for the healthy development of the Group. We should continue in-depth study, conscientiously implement it, adhere to compliance throughout the whole process of operation and management, be proactive and consciously compliant, and always tighten the string of "compliance management". Plug the loopholes with the system. Further explore the establishment of a mechanism to control underwriting risks, respect insurance laws in the process of exhibition industry, and strictly follow the underwriting regulations and requirements of the head office and branch groups.

Carefully review the insurance items, guarantee the superior and limit the inferior, and avoid high-risk items. Be careful to avoid mistakes. Continue to do a good job in the authenticity of business financial data. Although we have done a lot of work in this area and the authenticity of the data can stand the test, we can't relax and stick to it.

Underwriting: It is a process of examination and decision, that is, the underwriting personnel make a comprehensive analysis based on the information about the insured and the insured provided by the insurance application form, business personnel report, physical examination report, survival survey, etc., and use mathematical methods to quantify the risks of the insured, and make a decision on whether to underwrite and under what conditions according to their risk degree. The work of the insurer determines whether the insurance company should underwrite the subject matter of insurance. Underwriting is the core business of underwriting business, and underwriting part is the most critical step for insurance companies to control risks and improve the quality of insurance assets.

Job description:

1. Responsible for the daily management of the company's specific insurance claims;

2. Control the company's specific insurance underwriting business indicators;

3. Be responsible for underwriting, risk investigation and evaluation of insurance business within the authority, and guide and review the formulation of underwriting scheme;

4 responsible for the investigation and analysis of the insurance business beyond the authority, and submit the handling opinions.

Entry threshold:

Bachelor degree or above is required, because underwriting involves insurance, medicine, finance, statistics, law and other knowledge, so in addition to understanding insurance and law, you should also have 2-4 years working background in related fields. In addition, there are some actuarial principles and financial management knowledge. For novices who have no underwriting experience, they should generally start with primary work such as issuing orders and receiving newspapers.

Career promotion channels:

Underwriter-Senior Underwriter

Industry qualification certification:

International Certification: North American Underwriter Qualification Certificate. As an international underwriting education and research institution, the North American Underwriters Association (ALU) enjoys a high status and honor in the global underwriting industry. In 20xx, only 38 people in the world passed the North American Underwriters Qualification Examination. In June of 20xx, the first international insurer with international qualification appeared in China insurance industry.

Domestic certification: China life insurance insurer. In principle, you should be authorized by the chief or assistant of your company to engage in underwriting and compensation for more than 5 years. For those who have obtained the qualification of underwriter or international adjuster of the North American Underwriters Association (ALU), their company can directly apply for the qualification of underwriter and adjuster candidate. After passing the examination, it shall be reviewed by the Qualification Examination Review Committee and reported to the CIRC for record and approval. Qualified candidates will be awarded the qualification certificate by insurance association of china.

Professional keywords:

English: Although underwriting is mostly done by computers, with the internationalization and specialization of the insurance industry, many insurance clauses, especially property insurance, are described and expressed in English. Therefore, good English terminology reading and writing skills are competent for underwriting, especially for employees who expect to achieve certain results here.

Curiosity: In the eyes of many people, the underwriting center of an insurance company belongs to the background and is a very comfortable department. You don't have to go out all day to run orders, just write and calculate in the office. But "turning a deaf ear to things outside the window" is not advisable. Underwriting involves many industries, and you need to know or even be familiar with related industries. Therefore, it is a quality that a professional should have to keep a certain thirst for knowledge, always keep a sponge state to absorb new knowledge and broaden his horizons.

Responsible attitude: underwriting involves the interests of the company and the insured. Therefore, a responsible working attitude is the "software requirement" for underwriting employees of every insurance company. How to do this well, make a good start and be the first gatekeeper of the claim settlement procedure is also an important element directly related to career development.

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